Here is the Former United state of American president Obama Foundation Internships for 2019/2020


Do you wish to work as an administrative intern in the US? The Obama foundation is searching for interns that have exceptional time management and organizational abilities, are strong authors and writers, and so are ready to work at a fast-paced office atmosphere.



Interns will engage in an integral part in providing branches in the Obama Foundation using the administrative, and operational assistance required to perform their job. USA Undergraduates and Graduates can benefit from the benevolence of One time USA President President Barack Obama.

This post is one of our most special updates on the Fully Paid Obama Foundation Internships 2020. To find more information, have a look at our section descriptions here.

About the Obama Foundation Internship
The Obama Foundation brings to a diverse cohort of enthusiastic, mission-oriented, and licensed interns to function within our Chicago and D.C. offices. This internship is available to current undergraduate and graduate students that meet the criteria to work in the USA. The mission of the foundation is to inspire, empower, and connect people to change their world.

From leaders who are already making an impact, to people who are interested in becoming more involved, but don’t know where to start, our goal is to make our programs accessible to anyone, anywhere. We’ll equip civic innovators, young leaders, and everyday citizens with the skills and tools they need to create change in their communities.

It’s a big job, and we’re just getting started. Learn about our first set of projects and join us in this experiment in citizenship for the 21st century.


Continue below


https://www.royalartistmg.com/obama-foundation-internships

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New Zzapo Mobile Smartphones


Here is the great and awesome review of the newly launched phone New Zzapo Mobile Smartphones.




Are you thinking of getting yourself or your loved one a smartphone this season without breaking the bank? Your prayer has been answered because Zzapo Mobile is out to ensure that everyone in Nigeria can have access to a smartphone. Not just a regular smartphone, but a smartphone with future technology that is ready to support 5G Network. The company made this known during the launch of the product on November 3oth, 2019 in Lagos

Zzapo Mobile is one of the most affordable smartphones with the best features that will slay your style. ZZAPO has a 720-degree panoramic camera that will make you experience the true beauty of the camera.


Continue below



https://www.royalartistmg.com/new-zzapo-mobile-smartphones/

This is the complete Guide on Hira & Kamal Ahuja International Scholarships.


The University of Waterloo – Canada is offering the Hira & Kamal Ahuja International Scholarships to highly motivated applicants who are interested in pursuing a degree program at the Institution.

A scholarship of Hira & Kamal Ahuja International Scholarships, valued at $20,000 will be provided annually to a full-time graduate student with a valid Canadian study permit enrolled in the Masters or Doctoral program in the Faculty of Engineering on the basis of academic excellence (minimum 80%).



Application Deadline: January 31, 2020

Eligible Countries: International

Type: Masters & Doctoral degree

Value Of Scholarships: $20,000



Hira & Kamal Ahuja International Scholarships At University of Waterloo – Canada 2020
Number Of Awards: Varies

Eligible Field Of Study: The sponsorship will be awarded in any Masters, Doctoral degree = Engineering Architecture, MBET, Chemical Engineering, Civil & Environmental Eng, Electrical & Computer Eng, Management Sciences, Mechanical & Mechatronics Eng, Systems Design Engineering

Eligibility:

Applicants must be a full-time graduate student with a valid Canadian study permit enrolled in the Masters or Doctoral program in the Faculty of Engineering on the basis of academic excellence (minimum 80%).
Preference will be given to students who either completed their undergraduate degree at Thapar University in Punjab or graduated from an Indian Institute of Technology (IIT) and who have been living in India.
Applicants must have a good command of both written and spoken English.
Applicants must be ready to submit the previous transcripts at the university.


How To Apply for Hira & Kamal Ahuja International Scholarships: Interested applicants need to take admission to the university before the deadline. After taking admission applicants are automatically considered for this study grant.


Source

https://www.royalartistmg.com/hira-kamal-ahuja-international-scholarships/

Private school tuition assistance



Where can I find grants to pay for private elementary, middle or high school tuition?


Continue below


https://www.royalartistmg.com/private-school-tuition-assistance/

Here is one of the best article for you to read on College scholarships for first generation students.


Are You the First in Your Family to Attend College?
General financial aid is a starting point for most college students, but to cover the costs of higher education, students turn to specialized grants and scholarships that are only available to certain members of the student body.

Some grants and scholarships carry a mission, to distribute aid in a way that benefits targeted students. Minority scholarships that require applicants to exhibit certain ethnic heritage, or women-only financial aid are examples of student assistance that addresses the educational needs of particular student groups.

Access to higher education is an important measure of progress, so families that are sending their first members to college are given special consideration in the form of First in Family Scholarships. If you are your family’s first college student, this aid provides a leg-up towards increased educational mobility.

The scholarships are funded by public and private dollars, and administered according to the individual standards of each award. Students who qualify for first in family scholarships will be subject to a variety of performance and need-based requirements. First in family scholarships commonly require minimum GPAs that are above average, as well as financial need related to college.

Corporate Scholarship Programs
The Sallie Mae Fund in partnership with the Hispanic College Fund, puts forth the Sallie Mae First in Family Scholarship. This diversity scholarship elevates hispanic access to education, subject to applicants meeting a combination of performance and need-based criteria. In addition to being the first member of your family to pursue a four-year college degree, eligibility for this scholarship requires:

Hispanic cultural ancestry
Financial need
U.S. Citizenship
Full-time enrollment
Undergraduate degree program
Approved institution
GPA of at least 3.0


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https://www.royalartistmg.com/college-scholarships-for-first-generation-students/

How to get jobs in usa for foreigners


Here are the steps and guide on How to get jobs in usa for foreigners the Step by Step Guide to Getting Your Job in the USA.

Five years ago, I set a challenge for myself to get professional experience in the USA for one or maybe even several years.

After some research, I realized that I couldn't work in the USA without a work visa. To get this work visa, I needed to get a job. Thus, I needed to be sponsored for a work visa.

The first thing to do for anyone looking to enter the US is to find a job. Then, you will need to find a sponsor for your visa. Once that is done, you will be good to go and can move to the US.

This guide will tell you how to get a job in the USA that will deliver a visa sponsorship fitting your situation, profile, citizenship desires, and expectations.

So, let's see how you can get a job in the USA!

Since so many people are looking for a job in the USA, the rules have become more strict regarding who can enter and why.

After my own experience, I have seen hundreds of my followers who face four major difficulties:

ALSO :Postgraduate scholarship in nigeria: Apply for Postgraduate scholarship in nigeria 2019/2020

Finding a job in the US isn't so easy-peasy, is it?

In any of those four cases above, you are going to get nowhere! Actually, 90% of failures in getting a job in the USA as a foreigner come from one mistake. And if you encountered the difficulties above, you might be making this mistake: applying without targeting.

Even before thinking about building your American resume and applying to jobs opening in the USA, you have to target the right open jobs and companies for you.

But targeting jobs in your field is not enough! You need to understand that up to 5% of companies in the US may sponsor you for a work visa. It may be even fewer, depending on your situation, profile, as well as the job opportunities you can get with it.

So, first, let's dive into what you want, and then what you will get depending on your situation, profile, and expectations. This is the foundation of your American project.

Based on this, you will then be able to build your application, target the right companies, and approach them effectively.

But before going any further, I want to tell you something...

What You Want Might Not Be What You'll Get

You might not want to read what I have to say next. It might offend or challenge your expectations.

Landing in the USA with a work visa does not mean you will get rich or stay in the States for life.

What we are going to see is the reality of the US market as it is today. You might not like it, and unfortunately, if your profile and expectations don't match this market, it's not going to happen. Sorry to disappoint you.

Maybe it will be easy, and maybe it will be impossible. It all depends on what you want and expect. Just be prepared to adjust your expectations.

If you don't want to accept the reality and adjust your expectations, you have only your own decisions to fall back on. The choice is ultimately yours. You must remember that it's your life. My choice was to live in the USA, and I now live an amazing life there. It's not because I'm lucky; it's because I reviewed my expectations and accepted the reality. That's it.

If you are not ready for such a big step, it's time to seriously think that you may misunderstand exactly what the American Dream is. And the United States might not be for you, after all. The choice is yours!

The way things are, you need to fit the mold, or you are out.

As unfortunate as this fact is, you need to understand it before going any further. I don't want to waste your time. So, if you continue reading this post, I assume that you understand the implications of this process.

Now, let me explain how to get a job in the USA!

Scholarship Application Forms: Application for scholarship template

1. What I Want

continue with below link

check https://www.royalartistmg.com/jobs-in-usa-for-foreigners/

Apply for Postgraduate scholarship in nigeria 2019/2020



Are you willing to participate in the coming Postgraduate scholarship in nigeria 2019/2020, here is the guide for you.




Sciences Po created the Emile-Boutmy scholarship, named after the founder of Sciences Po (1871), in order to welcome the very best international students from outside the European Union. The Emile Boutmy Scholarship is awarded to top students whose profiles match the admissions priorities of Sciences Po and individual course requirements.



Postgraduate scholarship in nigeria
Eligibility requirements
To be eligible for the scholarship, students must be, first time applicants, from a non-European Union state, whose household does not file taxes within the European Union, and who have been admitted to the Undergraduate or Master’s programme.

Scholarship Application Forms: Application for scholarship template

Students who are not eligible are:

Swiss and Norwegian applicants, since they may be entitled to CROUS scholarships
Candidates who have dual citizenship, including an EU citizenship
Candidates from Quebec for master’s degree (since they may take advantage of sliding scale fees same as European applicants). Candidates from Quebec for a bachelor’s degree are eligible
Master’s level dual-degree candidates. Only applicants for the following dual degrees are eligible:
the dual degree in Journalism Sciences Po/Columbia University
the dual degree Sciences Po/Fudan University with the concentration Europe-Asia in Global Affairs (only applicants with Chinese nationality)
the dual degree Sciences Po/Peking University (only applicants with Chinese nationality)
Ph.D. programme students (thesis)
Candidates for the 1 year Master’s programmes
Exchange students


Postgraduate scholarship in nigeria
The Emile-Boutmy scholarship may not be combined with other scholarship (Eiffel scholarship, AEFE scholarship, BGF…).

This scholarship is awarded based on merit and according to the type of profile sought for this programme. Social criteria are also taken into account.

The Emile-Boutmy scholarship is awarded to students arriving at Sciences Po for their first year of studies.
The Emile-Boutmy programme can take several different forms:

A tuition grant of €7,300 per year for the three years of the undergraduate programme, in addition to a grant to cover part of the cost of living of €5000 per year.
A tuition grant of €7,300 per year for the three years of the undergraduate programme.
A tuition grant of €5,000 per year for the three years of the undergraduate programme.
A tuition grant of €3,000 per year for the three years of the undergraduate programme.
On an exceptional basis, a scholarship of 19,000€ may be granted to cover the three years of College. Scholarship amounts are decided during the different admission juries.
If you do not validate your academic year, your scholarship will be lost.
If you have been granted for a scholarship and decide to defer your admission, your scholarship will be lost.

During the year abroad (third year of the undergraduate programme): scholarship recipients will retain their tuition fee grant and additional cost of living grant (if applicable).



Postgraduate scholarship in nigeria
The Emile-Boutmy scholarship is awarded to students arriving at Sciences Po for their first year of study.

The Emile-Boutmy programme can take two different forms:

A grant of €10,000 per year to cover tuition fees for the two years of the Masters
A tuition grant of €5,000 per year for the two years of the Masters.
If you do not validate your academic year, your scholarship will be lost.

If you have been granted for a scholarship and you decide to defer your admission, your scholarship will be lost.

Deadlines
Deadline for undergraduate programme: April 8, 2019
Deadline for master programme: January 3, 2019
For More Information:



Apply for Postgraduate scholarship in nigeria 2019/2020

Guaranty Trust Bank (GTBank) Internship Programme for OND Graduates 2019



Here is the Guaranty Trust Bank (GTB) 2019 OND Internship Programme Recruitment.




The Guaranty Trust Bank (GTB) is offering internship program offers to OND graduates to enable them gain industry experience and on-the-job training in banking operations by supporting the day-to-day activities of its Transaction Services team whilst learning best-in-class banking processes and procedures.

The internship program is a great way to start a career in banking and develop workplace skills for the future.

Are you ready to take advantage of the exciting opportunity to intern with the Proudly African and Truly International Institution? Kindly see requirements below to kick start a banking career with GTBank.

Location:    Guaranty Trust Bank (GTB) unique branches nationwide.

Duration:    12 months.

GTB OND Internship Programme Requirements.
One-year industrial attachment letter from a polytechnic
WAEC/NECO certificate
Birth certificate
School Identity card
Guarantor(s)*

*Guarantor(s):

GTBank – 1 Guarantor (Full-time employees only)
Other Organisations – 2 Guarantors (Full-time employees only)
Click Here to Download Guarantor’s Form (PDF)

Competencies/Skills

Good communication skills
Basic numerical skills
Willingness to learn.
How to Apply for GTBank Internship.

Interested candidates who meet the criteria listed above should apply by clicking on the “Apply” button below:

APPLY HERE OFFICIAL LINK

Deadline: Not Specified.



Credit and for more info

gtb Internship Programme for OND Graduates 2019

Ways To Make Money In Nigeria As A Student



As a student we all have something we should be able to offer that will generate monetary returns before we graduate,A meaningful skill that the society needs.In this series of making money as a student on https://www.metrodailies.com,I will be listing few Ways To Make Money In Nigeria As A Student



Ways To Make Money In Nigeria As A Student
Ways To Make Money In Nigeria As A Student
1.Blogging

Blogging is great business that pulls in much income. Anyone can profit through blogging and undergraduates are not optional. At the comfort of your home, you can blog and get paid in your Nigerian account.

Most Nigerian student bloggers are not too patient they expect to make money instantly from blogging,but let me tell you my good friend everything good in life comes easy.Blogging requires perseverance,consistency and hardwork. You cant make it once in the twinkle of an eye,God doesn’t bless like that.

Just find something you are good at and write about it ,if its entertainment,news,education write about it. Dont be a copy and paste blogger sha,Be original,write meaningful things about your passion.

The question now is how can you make money from blogging?

There are so many of them but it all depends on Your niche. Something that catches your interest and something you have vast knowledge about. So you may wonder how one actually makes money from this. Here are listed Ways To Make Money In Nigeria As A Student

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Funded Scholarships 2020/2021 Apply Now

Google AdSense/chitika adsense/propellar ads
Consultation on SEO, traffic related issues
Affiliate marketing.
Freelancing (writing posts and articles for other blogs and individuals),Music promotion if you have lots of traffic
Web site creation and design
Selling of my information products on this site and on AMAZON.

Note-to be able to get google adsense you need a minimum 30 posts with above 400 words that have somthing meaninful about them.

2.Photography and organizing social events
This job is suitable for people that are very social and not the shy ones. Photography and social events go side by side. You can plan events like

Social weeks
Fellowship days
Birthdays
Room, department and faculty weeks etc

So far you are in a tertiary institution settings like a university or polytechnic your opportunities are endless.For example female students love photo-shoots with passion,male students on the other hand love throwing parties.You can meet with them and Let them know you can do the job.

3. Computer Jobs:Repair etc
This is another good way of making money with your computer skills. Instead of using your computer to play games and watching movie while not use it for something productive such as

Installation of computer software and games.
Typing, scanning and photocopying jobs.
Online application for new and old students
Repairing of electronic gadgets.
General internet solutions.
We are in the IT age, so getting customers wont be a problem for you.

4.Buy and Sell
While in school, you can involve yourself in buying and selling business.Study your school environmentAnd check out whats trending . There are many products you can invest in, ranging from fashion; cloths, shoes, weavon, stationery and more. You can make serious amount of money from buying and selling businiess especially if you do it well.You will make money especially from freshers(100 level) who know little about business.You can start by buying clothes and other fashion wares at a cheap rate and reselling it at a price that will make you gain alot.

5.Mini-importation business
The mini importation business is one easy way to get you out of your financial troubles. It’s a very profitable way to make money online and offline in Nigeria as an undergraduate irrespective of the institution you find yourself in.

The main idea is to import goods that catch students eyes or attention, it doesn’t make your sex, both male and female can go into this business as far you have something that people likes and want to buy
You can import the following items and they will thrive well in any Nigerian campus:
Phone pouch and cases with USB cords.
Human hair.
Tablet phones.
Wristwatches, bangles, chains, anklet and customized wristbands.
Modems and card readers.
Flash and memory card.
Solar chargers.
Sandals and shoes.
Clothes and underwear and lots more

Important Note-
There is no joy like making money legally,as you have no cockroach under your bed,you can move freely anyhow you want without fear.Never forget your major purpose in school,which is to get a degree.In whatever you do ,do it well and legal.Making Money legally is time consuming that’s just the not so happy story,but still be calm, friends as what you discover in university can take you places even after your university education.
For example the founder of host sleek technologies one of Nigeria’s top web hosting companies founded host sleek as an undergraduate now the business is booming. In his first year he didn’t make money but consistency and hard-work paid off later.Same thing about the founder of 9jaflaver.com Mr Ejump we read his story on this forum yesterday too.
What you do in universities,polytechnics or other tertiary institutions has a long way of taking places in Life.


Credit royalartistmg

Chelsea Bleep up

ISF Academy IB Diploma Scholarships in Hong Kong 2020
The Independent Schools Foundation Academy is offering ISF Academy IB Diploma Scholarships Programme for the students of Hong Kong.

Scholarships are available for pursuing International Baccalaureate Diploma Programme (IB DP).

About the ISF Academy IB Diploma Scholarships

The objective of the program is to encourage and motivate our students to strive for academic excellence and a balanced development.

The Independent Schools Foundation Academy is a non-profit bilingual private school in Hong Kong.

It is also an IBO World School, and offers the IB Middle Years Programme and Diploma Programme. The campus is in Cyberport, Pokfulam, Hong Kong.

Course Level:

ISF Academy IB Diploma Scholarships are available for pursuing International Baccalaureate Diploma Programme (IBDP).

Study Subject:

Scholarships are awarded to study the subjects offered by the university.

Scholarship Award:

The ISF Academy IB Diploma Scholarships provide the recipient with:

100% fee remission of the annual tuition fee for the two-year IB DP in Grade 11 and 12; and
A waiver from the Capital Contribution Scheme in Grade 11 and 12 for transfer students.
Number of Scholarships: 

Up to five two-year IB DP Scholarships are available for Grade 10 students.

Applicants in Grade 11 may also apply for a one-year IB DP Scholarship if any remains available;

Place of Study

This scholarship can be taken in Hong Kong.

Nationality:

Citizens of Hong Kong are eligible to apply.

Eligibility:

To be eligible for the ISF Academy IB Diploma Scholarships in Hong Kong, 2019 , certain conditions need to be met.

Students with outstanding academic achievements in the past three years. (Please note that more emphasis is placed on the more recent school reports)Non-ISF Academy students are academically in the top 5% in their current school.
ISF Academy students must achieve a Commitment to Learning grade of at least “4” for each individual subject and obtain the following grades in the two years prior to their application:
In Grade 8 to 10, generally achieving ISF Summa Cum Laude (top 5% in their class) on their report / an average of at least “6.3” (out of “7”) in their MYP and non-MYP subjects with no subject scoring less than a “4”;
In Grade 11, at least 38 points out of the total score of 42 points (excluding Theory of Knowledge and Extended Essay bonus points).
To remain on the scholarship, students must:
Continue to remain in excellent academic standing/Commitment to Learning; and
Contribute to the community;
Serve as a role model for the student body.
College Admission Requirement

Entrance Requirement: Applicants must have previous degree.

How to Apply:

An application for the ISF Academy IB Diploma Scholarships is considered complete only if it is accompanied by the following documents:

Completed Scholarship Application Form
Names and contact details of two confidential referees. Please seek permission to use the name of the referee in advance. However, please do not include written references. The scholarship committee will contact referees separately
Copies of Official Transcripts / School Report Cards, both interim and final, for the previous three years. Reports issued by The ISF Academy need not be submitted. (i.e. only submit reports for the years that the applicant did not study at The ISF Academy).
Copies of any certificates of awards /performances/exhibitions etc.
Three personal statements as indicated below
Any other information that the applicant believes will support his/her application
Application Deadline:

Deadline for the submission of forms:

Applications for the university scholarship must be submitted before December 14, 2020; and
Applications for the Grade 6 to 12 scholarships must be submitted before January 5, 2020. Transfer students who miss the January deadline may contact the Admissions Office.
 




CREDIT Royalartistmg

Apply For Ole Miss Scholarships 2020-2021

A lot of students interested in attending Ole Miss University, also known as the University of Mississippi, generally wonder how they can afford the cost of their studies. Fortunately, Miss Ole has a number of scholarships available.



Ole Miss Scholarships
Some of these awards are for new students, while others are open to high school students. In addition, some scholarships are available only to undergraduate students, while others are open only to graduate students.

The amount of education, income, educational background and other factors can also affect the scholarships that the student can apply for.

One of the best ways to start your scholarship search is to complete the FAFSA application. With this application, you can quickly determine whether you are eligible for federal or state funding.

What you need to know about Ole Miss Scholarships 2020
In addition, Ole Miss needs the FAFSA application to qualify for many required prizes. In addition to the FAFSA, students can visit the following website. This website helps students understand which internal scholarships are available to Ole Miss students. Below you will find a small selection of scholarships available here:

Lists of Ole Miss scholarships in 2020
W.R. Newman Scholarship
This scholarship is open only to the first year of Ole Miss, who resides in Mississippi. To qualify, students must have excellent academic performance and demonstrate leadership skills. The scholarship will provide $40,000 worth of recipients over a four-year period. Students interested in applying must submit a full application by January 5th. This award is considered one of the Ole Miss Foundation Scholarships.

ALSO READ: MIT Scholarships Opportunities in the USA 2019/2020
Arabic Language Program Scholarships
This scholarship provides a grant of $2,500 to eligible students who are in their first three years of study. To be eligible, students must demonstrate that they are seeking a high level of proficiency in the Arabic language. The program supports 2.5 credits abroad, in Jordan or Morocco. Candidates must apply by January 5th.

Scholarships at Community Colleges
There are several scholarships for students from a community college at Ole Miss. An award, called the Lyceum Scholar Award, provides comprehensive training for the remaining two years of the B.A. Program.

Only students based in Mississippi are eligible. In addition, all students must have an average of at least 3.0 and be able to transfer at least 48 credit hours. Students can apply for this scholarship by applying for a transfer from a community college.

This application can also be used for other scholarships at community colleges, such as the Mississippi Community College Advantage Scholarship. This award is for students who have an average score of 2.5 or more and whose family income does not exceed $30,000.

All applicants must be eligible for the Pell Grant. Each year, 25 of these awards are available. Students must register by March 1st and submit an application to FAFSA.

Here other Ole Miss scholarships available for international students. You can check the details of these Ole Miss scholarships application Link below.

Academic Common Market (ACM) Scholarship
Academic Merit
Center for Mathematics and Science Education
Chinese Language Flagship Scholarships
Community College Scholarships
Intensive Summer Program Scholarships
Honors College Scholarships
International Studies
Military Science (ROTC)
Public Policy Leadership
Ole Miss Women’s Council
Ole Miss Opportunity Program
Ole Miss First
Toyota-Haley Barbour Scholarship
Other Scholarships
Other Scholarship Resources
School of Accountancy
School of Business Administration
School of Engineering
University Foundation Scholarships



Apply For Ole Miss Scholarships 2020-2021

Iphone 11 pro max review: The New Iphone 11 pro max review


iPhone 11 Pro Max review: Turning everything up to max
“Easily full-day battery life? Check. Class-leading cameras? Check. This is the iPhone to splurge on.”

Class-leading cameras
Stellar battery life with fast charging
Bright display
Slick iOS 13 software with consistent updates
High-quality build
Camera design is a miss
No USB-C




Iphone 11 pro max review: The New Iphone 11 pro max review
There’s nearly nothing wrong with the iPhone 11 Pro Max. The screen is excellent, games run lag-free, and the triple-camera system is versatile and effective, but what I’ve been most impressed by is its battery life. I’ve had to force myself to use the phone even more than normal to hit 30 percent before midnight.

This isn’t just the best iPhone ever — it’s the best smartphone you can buy. Period.

Want the best price on the iPhone 11 Pro Max? Check out our favorite Black Friday iPhone 11 Pro Max deals.

Matte magic
The iPhone 11 Pro Max is slightly taller and wider than its predecessor, but what you’ll notice the most is how it is 18 grams heavier. I quickly got used to it, but the added weight does make this already-expensive phone feel even more luxurious. This is still a large phone, given its 6.5-inch screen size, and it does require two hands to reach the top of the screen.

It remains one of the few phones made of stainless steel, and it feels just as high-end as that sentence felt to write. It’s more durable than the aluminum you’ll find on most smartphones (including the iPhone 11). The back and front are wrapped in “durable” glass, but what’s new here is the matte texture on the back. It’s fantastic. It doesn’t attract ugly fingerprints, so I’m not wasting half my day wiping it clean, plus I prefer matte aesthetics over the glossy kind. Apple’s not the first company to explore this type of texture; Google did it last year with the Pixel 3.



The new midnight green color is a nice change of pace from the usual gold, silver, and space grey, though I’m a sucker for the more colorful options found on the more affordable iPhone 11 (lookin’ at you, purple).



Iphone 11 pro max review: The New Iphone 11 pro max review
While we’re on the back of the iPhone, let’s talk about the camera design. It’s not great, though it is growing on me. The holes are so huge that they stand out a little too much, as though Apple really wants you to show everyone that you have an iPhone 11 Pro Max — not an iPhone 11 or an iPhone XS. The lenses are raised and have a metal bezel around them, but then the square camera module around them itself is also raised. The raised glass is sharp and angular; it’s not a pleasant feeling running your finger on the back and hitting the camera module.



It doesn’t attract ugly fingerprints, so I’m not wasting half my day wiping it clean.

I don’t think the camera design is ugly, but I also think Apple could have done better. One thing to note, the camera module does collect a bit of dust around the rings (as you can see in the picture above), so this area does require a bit of cleaning now and then.

The front is another area where Apple could do bettr. The 6.5-inch screen is wrapped with bezels that appear slim when looking at the iPhone individually, but put it next to phones like the Galaxy Note 10 Plus or the OnePlus 7 Pro, and you’ll see a difference. Apple hasn’t slimmed these bezels down since the iPhone X, which was two years ago, whereas Samsung has been introducing a more svelte look every year. Don’t get me wrong, the iPhone 11 Pro Max’s screen still looks modern and beautiful, but thinning out the edges a little more would have been nice.

I’m not going to complain too much about the notch, because it houses the tech necessary for Face ID, which remains the best biometric authentication technology available on a phone. It’s fast to unlock, works in any lighting conditions, and I’ll take it over an in-display fingerprint sensor any day.

Big-screen fun
The 6.5-inch size might be a bit unwieldy in the hand, but who cares about that when you have such a vast screen for watching videos and movies? I love the big OLED screen and the extra real estate it offers, especially when playing games.



Iphone 11 pro max review: The New Iphone 11 pro max review
Apple said it’s using a Super Retina XDR screen, which delivers impressive brightness, incredibly accurate colors, and a sharp 2,688 x 1,242 resolution. I’ve had zero trouble watching shows with a lot of dark scenes, like The Spy on Netflix, in bright sunlight — it helps that the brightness can go all the way up to 1,200 nits in HDR scenes (800 nits is typical brightness).


Read More Below



Iphone 11 pro max review: The New Iphone 11 pro max review

Best Accounting Schools in USA Texas | 2020



Are you good with numbers? Do you wish to build a career in accounting? One of the bases of some of the best accounting schools in the world in general and the United States, in particular, is the state of Texas. Check out in this writing to find out the best accounting schools in USA Texas.



Best Accounting Schools in USA Texas | 2020
Texas has a variety of 2-year colleges and 4-year universities that provide accounting training at all levels, including certificates, associate, bachelor, master, and doctoral programs.

Accounting degree prepares you to help companies organize their financial information and thereby operate successfully in this increasingly complex and competitive business environment.

In this article, we highlight the Best accounting schools in Texas in other to assist you in making the best choice while pursuing your dream course in accounting.

Accounting schools in Texas
There are numerous colleges and universities in Texas that offer programs for accounting degrees and certificates. These programs include studies in-demand areas such as auditing, controlling, and financial planning, as well as in many other disciplines.

Online accounting schools are also well suited for self-directed learners who want flexibility in their planning. You can access our comprehensive writing on the best online Accounting schools

Undergraduate students gained hands-on experience by completing internships and completing components of co-op education. Program requirements for doctoral students may include teaching assistance, extensive research and a thesis or dissertation.

The programs offered include:

Accounting
taxation
Business Administration in Accounting
accounting and information technology
What can I do with a degree in accounting?
The possibilities for accountants are almost unlimited. First, you have the choice of sectors. Health care, nonprofit organizations, education, media, corporate finance – all need savvy accountants.

Second, you have the choice of specialization. You can become a tax consultant and help to file the best possible tax return. Or you become a financial analyst and help your company save a lot of money.

Whatever way you go and whatever role you take, accounting can lead to infinite, rewarding career opportunities. All these programs prepare you comprehensively for continuing education in accounting or economics.

Career Opportunities for Accounting Grads in Texas
Texas is home to many large and small companies, many of which provide employment opportunities for people with a degree in accounting. Governmental organizations, including public lands and recreational areas, can provide many jobs for graduates of accounting programs in the state.

Several major Fortune 500 companies are headquartered in Texas, including ExxonMobil and retail giant J.C. Penney. Other national companies such as American Airlines and AT & T are headquartered in the state.

Financial institutions such as Bank of America and Wells Fargo have corporate centers in Texas, and other national banks and regional financial firms also offer accounting positions.

Accounting graduates will find many opportunities in their field in these companies or at national accounting firms or self-employed accountants.

Best schools for accounting in Texas
Having understood the details about the benefits, certification, and opportunities associated with accounting as a career, let us consider some of the best accounting schools in Texas.

Our evaluation of the different accounting schools in Texas is done according to their Student to teacher ratio, Tuition fee, and acceptance rate.

The 13 largest public and nonprofit schools in Texas with accounting programs are listed below.

University of Texas, Austin
Tuition Fee: $14,356

The McCombs School of Business at the University of Texas at Austin offers a Bachelor of Business Administration in Accountancy (BBA). This program focuses on both business fundamentals and accounting skills, and prepares students for a variety of careers.

Students take general education courses and core business classes before beginning specialized accounting courses such as controlling, accounting and balance sheet analysis.

These courses teach relevant accounting skills, such as: For example, preparing taxes, organizing financial records, and making business decisions based on accounting information.

The University of Texas at Austin or UT Austin is not only the top school in Texas but also the top school in the country. The university took first place in the US News ranking for undergraduate accounting programs.

Any student aspiring to a degree in accounting must attend the University of Texas at Austin. The University of Texas at Austin offers accounting degrees for those interested in an advanced degree.



COMPLETE READING BELOW


Best Accounting Schools in USA Texas 2020

Here are the good steps on How to find student loan account number




How do I find out information about my student loans?

You can find information about your student loans, including your balance, through the National Student Loan Data System for federal loans, or through your student loan servicer for private loans.


Federal Student Loans

The definitive source for information on your federal student loans is the National Student Loan Data System (NSLDS).  NSLDS is the U.S. Department of Education's central database for student aid. NSLDS receives data from schools, the federal loan programs, and other U.S. Department of Education programs. NSLDS also provides a centralized, integrated view of your federal student loans and grants so you can access and inquire about them. 

Private Student Loans

To find out information on your private student loans, you’ll need to contact each of your private student loan servicers to determine your total loan balance or check your credit report.

Unlike federal student loans, there is not a single website that contains information about all of your private student loans. Your private student loans will not be listed in NSLDS because the system shows only your federal student loans, not your private student loans.

 If you do not know about private student loans you might have, request a free credit report at annualcreditreport.com.  Private student lenders may report your loans to credit reporting agencies even while you’re still in school or in deferment.


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World Star Rapper Eminem



Complete write up of World best and famous rapper Eminem
‘MMLP2’

Eminem released his eighth album, MMLP2 , on November 5, 2013. The announcement for the future Grammy-winning album, formally titled The Marshall Mathers LP 2 , was made during the 2013 MTV Video Music Awards.

On the awards show, Eminem leaked a snippet of the first single from his album, entitled “Berzerk.” He went to reach of the top of charts with “The Monster,” a track that also featured Rihanna and earned a Grammy for Best Rap/Sung Collaboration.

In 2014, Eminem celebrated the 15th anniversary of his Shady Records label with a special two-CD set called ShadyXV . The collection features the label’s most popular songs as well as some new material. The new single “Guts Over Fear” quickly rose up the charts after its late October debut.



Slim Shady

A year later, however, Eminem released The Slim Shady EP , which was discovered by Dr . Dre , the legendary rapper and former producer of Eminem’s favorite rap group N.W.A.

After Eminem traveled to Los Angeles and became runner-up in the 1997 Rap Olympics MC Battle, Dre listened to the rapper’s cassette in the basement of executive Jimmy Iovine’s home. Dre was so impressed that he signed Eminem to his Interscope Records label. In 1999, after two years of working with Dre, Eminem released The Slim Shady LP .

The heavily hyped record became an instant success and went on to sell over three million copies. Eminem’s first single, “My Name Is,” mixed a childish humor and energy with rampant profanity and flashes of violence—a potent and fascinating combination that felt different from anything else in rap. Marshall and Kim Mathers married later that same year.

‘The Eminem Show’

A year later, Eminem released a new solo album,

The Eminem Show , another popular and critically acclaimed album highlighted by the tracks “Without Me,” “Cleaning Out my Closet” and “Sing for the Moment.”

His next album, 2004’s Encore , was less successful than his previous efforts, but still featured popular songs such as “Like Toy Soldiers” and “Mockingbird.”

Rehab, ‘Relapse’ and ‘Recovery’

For the next several years, Eminem recorded very little music and was largely consumed by personal problems. Eminem and Kim Mathers divorced in 2000 but continued to maintain a tumultuous off-and-on relationship until remarrying in 2006.

Nevertheless, they divorced again several months later and began a protracted, ugly and highly public custody dispute over their daughter Hailie. Meanwhile, Eminem slipped further into alcoholism and addiction to sleeping pills and prescription painkillers. In December 2007, he overdosed and nearly died. “If I would have got to the hospital two hours later, that would have been it,” he said.

By early 2008, Eminem had managed to kick his addictions to drugs and alcohol and returned to recording music. He released his first album of new music in five years, Relapse , in 2009, featuring the singles “Crack a Bottle” and “Beautiful.”



In 2010, Eminem released another album,

Recovery , a highly autobiographical attempt to come to terms with his struggles with addiction and experience with rehabilitation. His most acclaimed album in years, Recovery struck a somewhat gentler and more inspirational tone than his previous music.

Eminem said, “I don’t want to go overboard with it but I do feel like that if I can help people that have been through a similar situation, then, you know, why not?” The revealing album won Eminem a Grammy Award for Best Rap Album.

Eminem is doubtlessly one of the most acclaimed rappers in the genre’s brief history. As much as any other individual artist, he is responsible for rap’s transformation into a mainstream music genre over the past decade. And after 10 years and seven albums, the rapper who shocked, appalled and fascinated the music world with the unbridled rage of his youthful music is reinventing himself as a mature artist.

“I started learning how to not be so angry about things, learning how to count my f—ing blessings instead. By doing that, I’ve become a happier person, instead of all this self-loathing I was doing for a while,” Eminem said. “The music, I wouldn’t say it’s gotten happier, but it’s definitely more upbeat. I feel like myself again.”

Eminem and Trump

In October 2017, Eminem made headlines for a freestyle segment taped for the BET Hip Hop Awards, in which he ripped into President Donald Trump.

Two months later, he released his ninth studio album, Revival . Its first two singles, “Walk on Water” and “River,” featured collaborations with pop superstars Beyoncé and Ed Sheeran , but the album as a whole divided critics and failed to garner the accolades notched by his previous efforts.



‘Kamikaze’

While four years passed between Eminem’s eighth and ninth albums, fans only had to wait a few months before he dropped his next studio effort,

Kamikaze , on August 31, 2018. The surprise album kicked off with “Ringer,” which featured the rapper diving right back into his disdain for President Trump.

Marshall Mathers

Eminem released his second studio album, The Marshall Mathers LP, in May 2000. The album showed off Eminem’s poetic talents as well as his emotional and artistic range. His songs vary from manically funny (“The Real Slim Shady”) to heartbreakingly poignant (“Stan”) to explosively violent (“Kim”) to disarmingly self-critical (“The Way I Am”).

The Marshall Mathers LP sold over 19 million copies worldwide, won the Grammy Award for Best Rap Album, received a nomination for Album of the Year and is widely considered among the greatest rap albums of all time.

Nevertheless, The Marshall Mathers LP also came under a firestorm of criticism for its excessive profanity, glorification of drugs and violence and its apparent homophobia and misogyny.

While Eminem attempted to mitigate such criticism by maintaining that his raps simply use the rough language he has been surrounded by since childhood, and later by performing a duet with

Elton John at the Grammy Awards to demonstrate his openness to the gay community, Eminem nevertheless remains reviled in some quarters for his offensive lyrical content.

In 2001, Eminem reconnected with several of his friends from the Detroit underground rap scene to form the group D12, recording an album called

Devil’s Night featuring the popular single “Purple Pills.”

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Here are the tips on how to Find Your Student Loan Balance.




With the typical graduate having up to 12 different federal and private student loans, it can be difficult to keep track of them all. But finding out exactly how much you owe is essential for managing — and paying off — your debt

Find out how much you owe in student loans

When you took out your student loans, you agreed to borrow a set amount and to repay it with interest. Your interest rate can cause your loan balance to grow over time, so you could end up owing thousands more than you originally borrowed.

To make things even more confusing, your loans can sometimes change hands. Some lenders will sell your loans or transfer them to other loan servicers, so who you originally had as a loan servicer may no longer be the right one. Your loan servicer is who you make payments to and go to for questions, so it’s important to figure out who your current servicer is to repay your debt.

So if you know you have student loans, but aren’t sure who your loan servicer is or how much your balance is, here’s what you need to know about finding both federal and private student loan balances.

Hispanic scholarship fund: hispanic scholarship fund For 2019/2020

How to find your federal student loan balance

If you have federal student loans, there are a couple of different ways to track down your balance.

1. Use the National Student Loan Data System

To find your current federal student loan balance, you can use the National Student Loan Data System (NSLDS), a database run by the Department of Education.

When you enroll into a college or university, the school’s administration will send your loan information to the NSLDS. The database also pulls information from loan servicers and government agencies, so it’s a comprehensive outline of all federal student aid you’ve received.

To find your federal student loan balance on NSLDS:

Create an account with a Federal Student Aid ID and sign in
Check the list of all of the federal student loans under your name, including the original amount, current balance, interest rate, payment status, and loan servicer
Visit your loan servicer’s website to create an account, make payments online, and ask any questions you may have

While the NSLDS is useful, there are some limitations:

Not always up to date: Information on the NSLDS can be as much as 120 days old, so it may not be the most up to date view of your loans.
Not all loans are listed: The NSLDS only contains information about Title-IV eligible loans and grants, so if you took out other federal loans — such as loans for medical or nursing school programs — they won’t show up on the NSLDS. Private student loans also won’t be listed.
2. Contact your school’s financial aid office

If you have federal loans that don’t show up on the NSLDS, another option is to contact your school’s financial aid office. The staff there can look up your past loan information, including what you originally borrowed and who the loan servicer was. With that information, you can contact the servicer to get your current loan balance.

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How to find your private student loan balance

Because the NSLDS is only for federal loans, your private student loans won’t show up in the database. If you refinanced any federal loans, those won’t show up either because once you refinance your student loans, they become private loans.

To find any private student loan balances (or check who your lender is):

Get your credit report from each of the three credit reporting agencies — Experian, Equifax, and TransUnion — at AnnualCreditReport.com (you can do this once a year for free)
Check your credit report to see a list all of your current obligations, including student loans. It will list how much you borrowed and who the loan servicer is.
Contact the loan servicer to start making payments or start the student loan refinancing process




Managing your student loans

While it may sound complex, learning how to answer “How much do I have in student loans?” is an important first step in managing your debt. Once you know how much you owe and who your loan servicers are, you can come up with a repayment plan that works for you.

If you want to pay off your debt as quickly as possible so you can save money, check out these strategies that can help you pay off your student loans faster.


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Hispanic scholarship fund: hispanic scholarship fund For 2019/2020




Hispanic Scholarship Fund is offering the HSF Scholarships to students with Latino origin. Also, this Hispanic Heritage scholarship provides help in funding Hispanic American students’ higher education. Eligible high school seniors, undergraduate students, transfer and graduate students are therefore encouraged to apply.



Hispanic scholarship fund
More On The Hispanic Scholarship Fund | HSF Scholarship 2019-2020
Founded in 1975, the Hispanic Scholarship Fund (HSF) provides Latin American families with the knowledge and resources they need to complete their higher education. It is also the nation’s largest non-profit organization supporting Hispanic American higher education.

So far, HSF has awarded over $588 million in scholarships and provides programs and support services for students and parents, HSF Scholars, and Alumni.

The HSF Scholarship is designed to assist students of Hispanic heritage to obtain a college degree.

Notwithstanding, every student needs a guide.

Level/Field of Study
HSF Scholarships are available, on a competitive basis, to:



Hispanic scholarship fund
High school seniors
Undergraduate students (all years)
Community college students transferring to four-year universities
Graduate Students
In addition, the scholarship is open to all majors and graduate fields with emphasis on STEM majors. STEM field, that is, Science, Technology, Engineering, and Mathematics field.

Host Nationality
The scholarship is hosted in the USA.

Are you worried about the funds to pursue your degree? Worry no more, there are limitless fundings for international students from various countries on our platform

Eligible Nationality
This scholarship is open to US citizens with Hispanic origin

ALSO READ: Scholarship Essay - How To Write A Scholarship Essay
Scholarship Worth
For the awards are based on merit; the HSF scholarship amounts range from $500 to $5,000, based on relative need, among the Scholars selected.



Hispanic scholarship fund
Eligibility
To qualify for the Hispanic Heritage scholarship, an applicant must adhere to the following criteria:

be of Hispanic Heritage
have a minimum of 3.0 GPA on a 4.0 scale (or equivalent) for High School Students
have a minimum of 2.5 GPA on a 4.0 scale (or equivalent) for College and Graduate Students
plan to enroll Full-Time in an accredited, not-for-profit, 4-year university, or graduate school, during the FALL of a scholarship cycle (year)
be a U.S. Citizen, Permanent Legal Resident, DACA or Eligible Non-Citizen (as defined by FAFSA)
Also, complete FAFSA or state-based financial aid application (if applicable)
HSF Scholarship Application
To apply, applicants should sign up on the Hispanic Scholarship Fund website using the link below:

https://www.hsf.net/sign-up

HSF Scholarship Deadline
Unfortunately, the Hispanic Scholarship Fund application 2019 is over. However, when available, the application for the Hispanic Heritage scholarship 2020 starts January 1st and the deadline falls on February.



Hispanic scholarship fund
Notwithstanding, applicants should follow the links below to keep up with updates.

Scholarship Link
For more information on the scholarship, applicants should click on the link below:




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Cameron Impact Scholarship Details and Information


Paying for college isn’t always easy, but for hardworking and dedicated students, there are scholarship opportunities that can lessen that burden. The Cameron Impact Scholarship is a great example. It offers a full ride scholarship that will significantly reduce the strain of paying for a higher education for any student who meets the qualifications.

Learn more about this scholarship and the foundation behind it to get a better idea of whether you would qualify for it. Also, learn how to apply and where to find the application.



About the Bryan Cameron Education Foundation
Bryan Cameron founded the Bryan Cameron Education Foundation in 2015. He wanted to provide an investment in the education of young people just as people had helped him with his education. The goal of this private, family organization is to impact students in a way that allows them to reach educational and professional goals. The Foundation focuses on finding leaders who have proven achievement in public service and academics and who want to help others and make the world a better place.

Cameron Impact Scholarship Details
This scholarship is a four-year, full-tuition award based on merit. It is an undergraduate scholarship for high school students entering college. Students may apply for this annual award to receive it in December. There are 10 to 15 winners each year. The intention is for the scholarship money to cover all tuition and related educational expenses for the winners at an estimated award amount of $20,000 to $50,000 per year.

While anyone can apply for the Cameron Impact Scholarship, the Foundation does reserve 25 percent of the scholarships for students who wish to work in public service, the military, the government, nonprofits, or education.




Eligibility
To be eligible to apply, students need to have a grade point average of at least 3.7 and be a U.S. citizen. Students must have participated in community service and other civic-minded activities, along with a variety of extracurricular activities. They must also show they are leaders. Relatives or those with pre-existing relationships with any members of the Bryan Cameron Education Foundation staff are not eligible.

How to apply
Students must submit the Cameron Impact Scholarship application before the deadline, both of which can be found on the Bryan Cameron Education Foundation website. Along with the application, a student must provide a transcript and two letters of recommendation. Applications must be complete as incomplete applications are not considered.

The application asks for personal information, such as name and address, along with information about the student’s high school and education. Forms cannot be saved and returned to later, so students should plan to complete the entire application in one sitting.

Final Words on the Cameron Impact Scholarship
This is an excellent scholarship for someone who is a top student but struggles with the financial aspects of going to college. It recognizes the hard work of a student and offers a chance to relieve the majority if not all of the costs of a college education. Students who qualify are urged to take advantage of and apply for this scholarship.



READ MORE Cameron Impact Scholarship Details and Information

how to win scholarship


Here are the top 10 tips on how to win scholarship both within the country and Globally.







1. Create an accomplishments resume.

This summarizes the student’s awards, interests, activities and accomplishments. It can help the student write a better application and teachers write better letters of recommendation.

2. Don’t miss deadlines.

Half the scholarships have deadlines in the fall and half have deadlines in the spring, so start searching for scholarships ASAP. There are also many scholarships available to students in elementary and secondary school, not just high school seniors, and some scholarships that require the applicant to already be enrolled in college.

3. Complete the scholarship matching profile thoroughly.

Many of the questions trigger the inclusion of specific scholarships.

4. Apply to as many scholarships as possible.

Winning a scholarship depends as much on luck as on skill. Increase your chances of winning by applying for as many as possible. (But don’t apply if you aren’t eligible.) Smaller scholarships and essay contests are easier to win because they are less popular. Reuse essays to save time, customizing them for each new application. Answer the essay question out loud and transcribe a recording of the answer to avoid writer’s block. Proofread the essay carefully before submitting the application.

5. Look for scholarship listing books.

They can be found in the jobs and careers section of the library or the campus Career Center. When using scholarship listing books, check the copyright date. If it is more than a year or two old, it is going to have too much old information.

6. Find local scholarships on bulletin boards.

Look near the high school guidance counselor’s office, outside the college financial aid office and campus academic departments and in the local public library.

7. Tap into family connections.

Students should also check with their parents’ employers, clubs, unions and fraternal organizations.

8. Read the paper.

Check out the coupon section of the newspaper for local and national corporate-sponsored scholarships.

9. Maintain a professional online presence.

Some scholarship providers now require finalists to friend them on Facebook. Also, use a professional email address to make a good first impression.

10. Dress to win.

If selected for an in-person or video interview, dress as if you would be a proud recipient of the award.


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How to paying off student loan(Complete Guide)




Here are the best Guide on How to paying off student loan within stipulated time.







If you borrowed money to pay for school, your first question might be how best to pay off your student loans. The short answer is that there's no magic bullet, but there are definitely things you can do to make paying back education debt easier.




Student loan debt reached an all-time high of 1.41 trillion in 2019 so you're not alone. A growing segment of the economy is devoted to helping Americans figure out how to pay off student debt, and there's a lot to learn Start by reading this overview to understand the basics. Then learn about and consider various options, such as loan consolidation, loan deferment or forbearance and think about how you will work paying student loans into other financial goals, such as saving for a down payment on a home. There are even plans that allow for loan forgivenenss (see #8, below).

Now, review these nine tips to help you get a handle on your student loans—and even pay them off faster.

1. Know What You Owe

The first step in repaying student debt is knowing what you owe. If you haven't done this yet, take time to figure out:

How much you owe, in total, on all your loans.
Which student loan servicers you owe money to and how much for each loan.
Which of your loans are federal and which are private.
The minimum monthly payment for each loan.
The interest rate for each loan.



Once you've done this part, you can move on to the next step, which is choosing a repayment plan.

2. Evaluate Student Loan Repayment Options

How you repay your loans depends on three things: the type of loans you owe, how much you can afford to pay, and your money goals.

"Financial goals are different for everyone," says Joe DePaulo, CEO and co-founder of College Ave Student Loans."Some may want a longer repayment plan that allows more flexibility in their monthly budget, while others may opt for a repayment plan that allows them to pay off their student loans as quickly as possible."

There is a range of student loan repayment options to consider. If you need flexibility and you owe federal student loans, then you might look at an income-driven repayment plan. There are several choices that calculate your monthly payment based on your income and household size and allow you more time to repay your loans than you'd get on a standard 10-year repayment plan.

On the other hand, if you want to repay your loans as quickly as possible, you might want to stick with a repayment plan that has the shortest term. The trade-off is that you'll have a higher monthly payment. The best way to evaluate loan repayment options is to use a loan repayment calculator, such as the one offered by the Department of Education.



3. Use the Grace Period to Your Advantage

The grace period is the time frame in which you aren't required to make payments on your loans. With federal student loans, the grace period typically lasts for the first six months after you leave school. Whether you have a grace period and how long it lasts with private student loans depends on the lender. With private loans and unsubsidized federal loans, keep in mind that interest is still charged during your grace period and will be "capitalized"—added to the total amount you owe—after the grace period ends.

One way to make the grace period work for you is to make advance payments against your loans. Paying down some of the principal means less interest that accrues later. At the very least, try to make interest-only monthly payments in the grace period to cut down on what you owe.



4. Consider Consolidating or Refinancing Student Loans

Consolidating and refinancing offer two ways to streamline student loan repayment. With debt consolidation, (or student loan consolidation) you combine multiple loans together at an interest rate that reflects the average rate paid across all your loans. This can be done with federal student loans to merge multiple loans (and monthly loan payments) into one.




Refinancing is a little different. You're taking out a new loan to pay off the old loans, so you still end up with one monthly payment. But if that new loan has a lower interest rate compared to the average rate you were paying across the old loans, you could also save some money—provided you don't extend the term. One thing to note about refinancing private student loans is that you'll need good credit to qualify, which may necessitate bringing a cosigner on-board.




Be very careful to avoid student loan scams, which are particularly prevalent if you try to refinance your loans or investigate loan forgiveness.

5. Pay Your Loans Automatically

Scheduling your loan payments to be deducted from your checking account automatically each month means you don't have to worry about late payments, which could hurt your credit score. You could also score some interest rate savings if your lender offers a rate discount for using autopay—federal loan servicers and many private lenders do. The discount may only be a quarter of a percentage point, but that can make a difference in how quickly you pay off the loans over time.



6. Pay Extra and Be Consistent

One thing that can slow down your student loan payoff is paying only the minimum due. Joshua Hastings, founder of personal finance blog Money Life Wax, was able to pay off $180,000 in student loans over a three-year period by taking a focused approach, which included paying extra on his loans every month.




If you're able to pay extra, you may want to target one loan at a time while paying the minimum on everything else. The question is, do you use the debt snowball method or the debt avalanche?




"When deciding which student loan to pay off first, it's best to go with the one that can free up cash flow quickly. That way you can have more money to throw at the next loan," Hastings says. "As you grow your cash flow, it's a good idea to transition to the high-interest loans."

7. Apply 'Found Money' to Loan Balances

Using found money—meaning money that isn't budgeted for as part of your monthly income—is another way to gain traction with student loan repayment. Found money includes:



Tax refunds
Rebates
Annual salary bonuses
Income earned from a side job
Cash gifts you receive for birthdays or holidays



You can apply these amounts to your loan principal to take out a chunk of your debt in one go. Other opportunities to use found money to pay down loans quickly include inheriting money from relatives or receiving a settlement as part of a lawsuit.



8. Look Into Forgiveness and Reimbursement Programs

Public Service Loan Forgiveness is designed to offer student debt relief for students who pursue careers in public service. You make a set number of payments while working in a public service job and the remainder is forgiven. If you don't qualify for loan forgiveness, you may be able to get help with your student loans through your employer. Talk to your HR department about whether student loan reimbursement is available as an employee benefit and what you need to do to qualify.



ALSO:Abroad Summer Work Programs For Students
9. Try Biweekly Payments

Another method you can try with paying off student loans is switching from monthly to biweekly payments. Similar to making biweekly payments on a mortgage, this tactic results in your making one extra loan payment per year. You'll need to talk to your loan servicer to find out whether automatic biweekly payments are an option, but if not, you may be able to make additional principal payments at any time through your online account access. The upside of making extra biweekly payments yourself, versus automatically, is that you can make the payments when it fits your budget and skip them if there's a month when you don't have the extra cash.

The Bottom Line

Tackling your student loans proactively is key to paying them off sooner rather than later. There are plenty of ways to manage your debt more effectively, but the worst thing you can do is nothing.

"If you find you're having difficulty affording your federal or private student loan payments, don't ignore the problem or assume there are no options," DePaulo says. "Reach out to your loan servicers to discuss your situation and try to create a plan to get back on track."



How to paying off student loan

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Chai make God forgive u all ur sins ooo

Top 10 Undergraduate scholarship for Nigerian students

Here are the Top 10 undergraduate scholarship for Nigerian students in Nigeria.

Today, institutions have risen to make a difference in the educational sector of our country; not depending on government and family members to train “the leaders of tomorrow” all alone but have condensed to improve and highjack the burdens off the shoulders of caregivers and in the hearts of willing yet unable parents.

These days, scholarship bodies offer scholarship from your first year of study to your very final year, giving you a free tuition education with quality and expensive mechanism to break down the walls of illiteracy.

Scholarship providers are not limited neither are they scarce, they’re even begging for candidates to apply and you say you weren’t informed? That’s a disease, believe me. Here are top scholarship providers in Nigeria.




Top Scholarship Providers in Nigeria.


1. MTN FOUNDATION SCHOLARSHIP FOR 2OO LEVEL STUDENT:

Pioneered by MTN (your very network provider) Foundation is a Scholarship Scheme providing not only network but also scholarships for full time students in their 2oo level of academic studying in public tertiary institutions (universities, polytechnics and colleges of education) in Nigeria.  




2. AGBAMI MEDICAL AND ENGINEERING SCHOLARSHIP FOR 100/200 LEVEL STUDENTS:

This is a scholarship programme by Agbami scholarship, funded by Star Deep and its Agbami partners, is a major component of the Agbami partners’ Social Investment in the strategic development of Health and Education in Nigeria and the Niger Delta in particular. 

3. CHEVRON/NNPC SCHOLARSHIP:

Chevron in collaboration with Nigerian National Petroleum Company as partner is offering scholarships to suitably qualified applicants.  



4. OLUSEGUN AGAGU FOUNDATION SCHOLARSHIP:

This organization established for the sole purpose of offering scholarships to willing candidates who are ready to pass through the university and equally allow the university to pass through them. 

ALSO: Oil Companies Scholarships for Nigerian students

5. SNEPCO POSTGRADUATE SCHOLARSHIP 2019: 

Shell Nigeria Exploration And Production Company offers scholarship to prospective postgraduate candidates of different universities in the country. 

6. UNIVERSITY OF CAMBRIDGE 2019/2020: 

The university of Cambridge international trust is offering scholarships for foreign students from all countries in the world. Race shouldn’t be an issue, you are so free to apply and try your utmost best. It be your chance to finally score in the net. 



7. TOTAL E&P SCHEME:

In its bid to promote educational development in Nigeria, Total (E&P) Nigeria Limited awards scholarships to exceptional Nigerian students in secondary and Tertiary institutions as well as those in postgraduate studies. TOTAL (E&P) is inviting applications from suitably qualified candidates for its National Merit Scholarship Awards for undergraduate students currently in their 1st and 2nd year of studies in recognized Nigeria Universities. This is a significant major contribution towards improving the quality of human capital that Nigeria needs for development. It is an empowerment opportunity Nigerian students can benefit from, especially in the host communities where TOTAL (E&P) operate. 




8. EXXON MOBIL:

Mobil Producing Nigeria (MPN), operator of its joint venture (JV) with the Nigerian National Petroleum Corporation (NNPC), awards 500 undergraduate scholarships annually to students in Nigerian universities. The scholarship awards are for one academic year initially, and are renewable to cover the duration of approved study, based on the recipients’ academic performance and related reports from the institutions. 




9. NLNG SCHOLARSHIPS FOR 100 LEVEL STUDENTS: 

The Nigeria LNG Postgraduate Scholarship Scheme, launched in October 2012, is an overseas programme aimed at supporting the emergence of indigenous experts, professionals or entrepreneurs especially; but not exclusively, within the oil and gas industry. 

10. PTDF UNDERGRADUATE SCHOLARSHIP:

The Petroleum Technology Development Fund (PTDF) is a parastatal of the Ministry of Petroleum Resources established by Decree 25 of 1973 with a mandate to train Nigerians towards active participation in the Oil and Gas Industry. PTDF has over the years awarded many undergraduate and postgraduate scholarships in Oil and Gas courses. 

What’s your take on this? We believe this article was helpful, if yes, don’t hesitate to share this information with your friends on Facebook, Twitter, WhatsApp and Google plus.

Top 10 Undergraduate scholarship for Nigerian students

Fynestboi:
Sequel to the release of the date for the 2018 UTME, which is proposed to hold March 9 to 17, this thread therefore would serve as a point of contact for all Nairalanders aiming for next year UTME and subsequently PUTME.

Furthermore, this thread would serve as a point where aspirants would get advice as regards their schools of choice, latest admission news and guidelines pertaining to their subject combinations, which would facilitate easy running for next year admission processes.
Also, aspirants would get to know some basic things regarding their courses and Universities before selecting them, this stage being the first step of admission process for all aspirants would be stocked with information important for your journey through out this stage.

Feel free to ask questions and ensure while doing this, all Nairaland Rules are protected.

Check: JAMB Past Questions and Post UTME Past Questions.

Thanks.

thanks for the update

Disability Scholarship Program For Collages



Application For Disability Scholarship Program For Collages

The Vitality Medical Company is accepting the application for “Disability Scholarship program” from the accredited colleges and universities students of the  United States.

This study program is designed to encourage and support outstanding students who work hard and want to make a significant impact on their school and community.

Vitality Medical is a medical company that was founded in January 2000. The purpose of this company is to provide quality medical supplies to improve the lives of their customers.

Who May Eligible For Disability Scholarship Program
 

To be eligible, the applicants must meet all the following criteria:

The participant must enrol at an accredited high school, college, or university in the U.S.
The student must enrol at the undergraduate level or your final year of high school.
To apply for this award applicant must sixteen (16) years or older.
Candidates must carry a status of “good standing”
All the participants must maintain a cumulative grade point average (GPA) of at least 3.0 (or equivalent).
How to Apply For Disability Scholarship Program


To get this annual scholarship candidate must submit a visual poem, in a style of your choosing, on the theme of “how using disability aids has added vitality to your life”.
Students must limit their ‘visual poem’ to an 8.5 in x 11 pages. It can be abstract or representational.
Applicants must include a personal statement that helps us understand who you are and how your poem relates to adding vitality to your life through disability aids.
The poem and personal statement (combined) should be between 500 and 1,000 words, but feel free to write a little more or less.

Benefits: The Vitality Medical disability scholarship fund will bestow $500 to each winner.

Application Deadline: Varies.

Apply Now



Study in Scotland - Scholarship for Nigerian students(Opens in a new browser tab)



https://www.royalartistmg.com/disability-scholarship-program-for-collages/

Apply For Donald Trump Scholarship For Africans To Study In USA 2020



Donald Trump Scholarship For Africans To Study in USA 2020 ( undergraduates, MBA, Postgraduates and PhD )

The President of the United States, Donald Trump, yesterday approved the US Embassy Scholarship for Africans, knowing the fact that there are many determined and talented, low-income students in Africans who only require financial resources and access to information to better their educational future. For some years now, the United States Embassy, US seeks to identify academically qualified and highly motivated, low-income students in Africa to join the Education in USA.

The United States Embassy is encouraging young leaders to apply for the 2019 US Embassy Scholarship.
A statement issued by the Public Affairs Unit of the U.S Embassy on Thursday, said the application for the Scholarship would close at exactly on November 10, 2019.

The mission is to assist talented and determined, low-income students who are good candidates for financial assistance from U.S. colleges and universities but lack the financial resources to cover the up-front cost of obtaining admission.

The US Embassy will work closely through their representatives with students regularly scheduled meetings and seminars to assist them throughout the application process to secure admission and scholarships to attend colleges and universities in the United States. The cost for application process is sponsored, including registration fees for required standardized examinations and provides free membership to the U.S.A

Benefits of Donald Trump Scholarship For Africans To Study in USA
The University Composition Fee at the appropriate rate*
A maintenance allowance for a single student ($14,900 for 12 months at the 2019-20 rate; pro rata for courses shorter than 12 months)
One economy single airfare at both the beginning and end of the course
Inbound visa costs & the cost of the Immigration Health Surcharge

About the scholarship
Academic development funding – from $500 to $2,000, dependent on the length of your course, to attend conferences and courses.
Family allowance – up to $10,120 for a first child and up to $4,320 for a second child (2017-18 rate). No funding is provided for a partner.

Fieldwork – you may apply to keep up to your normal maintenance allowance while on fieldwork as part of your Ph.D. (the Trust does not fund other field work costs as these should be funded by the University Composition Fee).
Hardship funding – for unforeseen difficulties

Maternity/Paternity funding – should you require it, you may apply to intermit your studies for up to 6 months and continue to receive your maintenance allowance during this time
Some fourth year funding for Ph.D. Scholars may be provided

Eligibility
A citizen of any country outside the United States

Applying to pursue one of the following full-time residential courses of study:
Ph.D. (three-year research-only degree)
MSc or MLitt (two-year research-only degree)
One year postgraduate course (e.g. MPhil, LLM, MASt, Diploma, MBA etc.)

Eligible Regions: Open for all (except citizens of United States)

Undergraduate Applicants:
Attach a copy of your WAEC “O” Level results (from WAEC website), if applicable or available.

Request a complete a letter of recommendation form from your School authority, attesting to your character, talent and skills. Please do not include a basic testimonial that does not talk about you as an individual, if available.
Send a scanned copy of your transcript from JS1 to SS3 including your mock and first term results, if possible or available.

Graduate Applicants:
Attach a copy of your Final year results and degree results (if available)
Provide the details of a lecturer, professor, or Head of Department (HOD) that we can contact to find out more about you.
Send a scanned copy of your transcripts that shows your GPA

Application Deadline: November 10th, 2019.

How to Apply
Apply Online through the website
Interested/qualified candidates must apply
NB: Please send all documents to this website provided with the appropriate titles by applying online.



Visit for more Donald Trump Scholarship For Africans 2020

when dem no sack u wetin be ur contribution to this economic

lolz

Canada Universities For Structural Engineering Courses


These are the Best Canada Universities To Study Structural Engineering Courses. You can reach out to any of them through the urls provided.

Canada is a great place to study. The quality education and its global degree recognition would constantly bring in international students. There’re interesting fields one can choose to study in Canada, for students who have chosen to study structural engineering, Canada is the right choice.

Structural engineering is a sub-discipline of civil engineering in which structural engineers are trained to understand, predict, and calculate the stability, strength and rigidity of built structures

Best Canada Universities

Here are Top 4 Places to study Structural Engineering in Canada

1. Carleton University is a comprehensive university located in Ottawa, Ontario, Canada.  Carleton is a public university that offers more than 65 undergraduate and graduate programs across a wide range of disciplines.

Carleton, The school is reputed for its strength in a variety of fields such as humanities, international business, engineering, physics, entrepreneurship, computer science, and many of the disciplines housed in its Faculty of Public Affairs

The BEng in Architectural Conservation and Sustainability Engineering is fully accredited by the Canadian Engineering Accreditation Board.

Study options- Full Time (4 years) Tuition fees- CAD$28,766.00 (US$ 22,412) per year  Website:carleton.ca

Canada Universities For Structural Engineering Courses

2. The University of Waterloo is a public research university with a main campus in Waterloo, Ontario. The university offers academic programs administered by six faculties and ten faculty-based schools. The university also operates three satellite campuses and four affiliated university colleges. Website:uwaterloo.ca

 In Waterloo’s newest engineering program, you’ll learn how to design, renovate, and retrofit flexible buildings that adapt to different needs.

You’ll cover all the science and engineering that goes into good building design, including mechanics, structural analysis, structural design and more.

Study options- Full Time (5 years) Tuition fees CAD$65,034.66 (US$ 50,669) per year. Co-op fee: CAN $709 per term; Maximum tuition per term: CAN $19,969

3. Conestoga College Institute of Technology and Advanced Learning is a public college in Kitchener, Ontario, Canada.

The Structural Packaging Design and Management program is a one-year graduate certificate designed to provide students with the skills and knowledge to design and manage the production of packaging in a variety of materials including metal, glass, plastic, paper and corrugated. Study options- Full Time (1 year) Tuition fees CAD$11,900.00 (US$ 9,271) per year Website:conestogac.on.ca

4. Thompson Rivers University is a public teaching and research university offering undergraduate and graduate degrees and vocational training. The ARET program emphasizes the design processes in building, civil and mechanical technologies involving design projects for building structures, subdivisions, municipal services, and electrical, plumbing, lighting and HVAC systems. Study options-Full Time (3 years) Tuition fees CAD$14,831.64 (US$ 11,555) per year Website:www.tru.ca



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